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HDB Financial Services Ltd Q2 FY27 results are out (Jul–Sep 2026) →Revenue ₹5,005 Cr +10.1% YoYSee revenue, profit and what management said. You are viewing Q4 FY26.
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HDB Financial Services Ltd

Q4 FY26Finance

HDB Financial Services Q4 FY26 earnings call: Revenue & Margins

Q4 FY26 earnings call: what management said on revenue, margins and capex.

Revenue
₹4,745Cr
+11.2% YoY
+1.5% QoQ
Net profit
₹751Cr
+41.4% YoY
+16.6% QoQ
Price₹671
Market cap₹58.0K Cr
P/E21.0

The short version

Future growth expectations from the Q4 FY26 Earnings Call include: - Medium-term growth target: Nominal GDP + 6%-7% CAGR in disbursements and AUM. Medium-term nominal GDP + 6-7% CAGR growth targeted for disbursements and loan book.

From HDB Financial Services Ltd's Q4 FY26 earnings-call transcript · updated 24 Sept 2026.

Revenue & Sales Performance

Future growth expectations from the Q4 FY26 Earnings Call include: - **Medium-term growth target:** Nominal GDP + 6%-7% CAGR in disbursements and AUM. - **Q4 to Q1 growth outlook:** Strong momentum expected to continue from Q4 FY26 into Q1 FY27 and beyond. - **Distribution expansion:** Leveraging digital channels and assisted/self-service journeys to increase reach without proportional physical branch additions. - **Customer base growth:** From 5 million in 2020 to 22 million in 2026, with focus on aspirational India driving growth. - **Enterprise Lending:** Positive momentum with 28% sequential and 15.4% YoY disbursement growth in Q4; optimistic on unsecured business loans. - **Asset Finance:** Focus on increasing used vehicle financing; aiming to achieve a balanced 50-50 new-used vehicle mix over 4 years.

2 more points from HDB Financial Services Ltd's call on revenue

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Profitability & Margins

Medium-term nominal GDP + 6-7% CAGR growth targeted for disbursements and loan book.

Locked: what HDB Financial Services Ltd said on margins

Also locked on this page: fundraising, order book

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Capital Expenditure Plans

  • The company continues to invest significantly in technology to support growth targets, enabling cost reduction, quality improvement, and faster service delivery across all customer segments (Page 16).
  • There is an ongoing focus on expanding and optimizing the branch network, including consolidating smaller branches into larger, better-equipped branches to improve customer experience and employee well-being (Page 15).
  • Distribution expansion leverages physical presence, assisted and unassisted digital channels, and e-commerce partnerships to reach new customers and improve service quality (Pages 19-20).

Top-ranked in Finance

Ranked on what management guided this quarter

Guidance-ranked
1Mufin Green
Rev 1Mar 1
2Max India Ltd
Rev 1Mar 1
3
Rev 1Mar 3
4
Rev 1Mar 3
5
Rev 1Mar 3
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Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Fundraising & Capital Structure

The company has focused on managing borrowing costs effectively by optimizing its borrowing mix and…

Locked: what HDB Financial Services Ltd said on fundraising

Also locked on this page: margins, order book

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Order Book & Pipeline

See what HDB Financial Services Ltd said on order book & pipeline — free account, 30 seconds.

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What HDB FINANC SER's management said in earlier quarters

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Frequently Asked Questions

What were HDB Financial Services Ltd Q4 FY26 results?

Future growth expectations from the Q4 FY26 Earnings Call include: - Medium-term growth target: Nominal GDP + 6%-7% CAGR in disbursements and AUM. Medium-term nominal GDP + 6-7% CAGR growth targeted for disbursements and loan book.

What is HDB Financial Services Ltd share price analysis?

HDB Financial Services Ltd currently shows a neutral. The stock trades at a P/E of 21.0 with a market cap of ₹58,021 Cr. Investors should review the full earnings analysis for detailed insights.

Is HDB Financial Services Ltd planning capital expenditure?

The company continues to invest significantly in technology to support growth targets, enabling cost reduction, quality improvement, and faster service delivery across all customer segments (Page 16).

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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.